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In states with no-fault insurances, your insurer will cover medical expenses and lost wages regardless of who was at fault for the accident. They'll also need to gather evidence and review documents (photos witnesses' testimonies, photos, medical records, and expense reports).
The amount of compensation that you receive depends on the extent of your injuries and expenses. This article will help you understand the steps involved in filing an auto accident claim.
Report the Accident
If you're involved in a car crash it's crucial to report the crash away. In many states, this will be done by the local police county sheriffs, state police or Department of Motor Vehicles.
If possible, take pictures of the crash scene. This can help you remember the accident and also to support your insurance claim. Photos can be used to show specifics like skid marks, damage to your vehicle as well as weather conditions and other important information.
It's an excellent idea to collect the other driver's details including their name as well as the insurance company. You should also ask for their driver's licence and car registration, if it is possible.
It is also important to record what you saw, as well as what transpired. Remember, memory isn't reliable, and if you don't record what happened it could leave you at fault for damages or injuries that aren't apparent later on. If you do not notify your insurance company, they may not pay for any damages that result from the incident. You should check your policy or talk to your agent to find out the requirements for filing an accident report.
Get Medical Attention
One of the first things you must do after a car accident is seek medical attention to be examined for injuries. You can avoid future complications by visiting your doctor as soon as you can. It will also help your case when negotiating with the insurance company.
It's best to visit an emergency room at a hospital, if at all possible, after a car accident. This is because hospitals have access to highest quality physicians, surgeons and medical equipment. Insurance companies and defense lawyers may find it difficult to minimize the damage caused by hospitals.
Injuries sustained in car accidents could range from bruising and tearing to severe internal injuries, such as brain injuries that are traumatic and even paralysis. Even if certain symptoms, like stiffness and pain don't show up immediately it's essential to see a physician anyway. The medical records will serve as critical evidence in proving your claim that you sustained injury-related injuries as a result of the crash.
Our Denver car accident lawyers will make use of these records to prove that the actions of the driver at fault caused your injuries, and that you deserve fair damages for your injuries.
Take Pictures
Take pictures of the accident scene as soon as possible, ideally before the police arrive. If you're able, take photos of the damage to each vehicle from various angles. If you can, take close-up photos of vehicles and other evidence (such shattered glasses or airbags deployed). If you're unable take closeups, try placing an object, such as coins, into the picture for scale. It's also beneficial to capture photos using and without flash since different lighting conditions might reveal some hidden details.
You should also take pictures of any injuries that you sustained during the accident. These photos will provide valuable evidence later on. Cuts and bruises will fade with time. In addition, [empty] it's an excellent idea to record all other relevant details of the incident as you can (such as traffic lights, street signs and weather conditions, as well road debris) in order to help paint a more detailed picture of what happened.
Contact Your Insurance Company
If you're planning to file a car crash claim, it's crucial to contact your insurance company as soon as you can. You might be required to file a claim under your policy, but even if not legally required, your attorney will need records of your losses to support your claim (such as repair costs and medical bills).
Apart from obtaining your car's information and identifying any other drivers involved in the crash In addition, you should gather any other pertinent information at the scene, says Luna. Inquire about the insurance card of the driver who was involved in the accident and make sure you have their name and address, phone number and details regarding their car insurance (company, policy numbers). If there are witnesses, try to find their names and contact details too.
The last thing you want to do following a car crash is argue with insurance companies, it's very important to remain calm. The statements you make when emotions are high could be used to your disadvantage later. It is best to let an attorney manage the negotiations. They will be able to make sure you don't say something that could later be used against you.
Contact an attorney
An experienced lawyer can help you navigate the insurance company and get an appropriate settlement. They will look over all of your medical records and bills and consult with your doctor to determine the totality and extent of your injuries. If you do not provide them with accurate and complete documents, they won't offer you a fair price.
In addition to pursuing your economic losses, like medical bills and lost wages, you could also be entitled to non-economic damages for pain and suffering. If the court concludes that the other driver acted with gross negligence, recklessness or malice, it may award punitive damages.
If the driver who was at fault fled the scene, you'll need to report that to the police. Also, you should get a copy of the crash report from the police station or online. You'll need it to submit a no-fault claim, or a liability lawsuit. New York has very specific laws that apply to automobile accidents. These rules are best explained by a knowledgeable attorney.
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